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Homes Under $300,000 in Central, Utah
Central is a small unincorporated community in Washington County tucked between Pine Valley and Veyo, sitting at roughly 5,200 feet on the way up SR-18 from St. George. The climate up here is night-and-day different from the valley floor twenty miles south — summer highs run 10-15 degrees cooler than St. George, winters bring real snow, and the surrounding pinyon-juniper and ponderosa country feels closer to high desert than red rock. Inventory under $300K in Central is thin to begin with, and what does come up tends to be older manufactured homes on usable acreage, modest cabins used as weekend retreats, or vacant-adjacent fixers that need work. For buyers priced out of St. George proper, this stretch of Washington County is one of the few remaining pockets where a sub-$300K purchase can still include land, quiet, and elevation.
Most buyers shopping this price point in Central fall into one of three camps: retirees wanting a cooler summer base near Pine Valley Reservoir, remote workers willing to trade a 35-minute drive to St. George for acreage, and second-home buyers looking for a low-maintenance getaway near the Dixie National Forest. Water rights, septic condition, and well status matter more here than in town — those line items can swing a deal. Cell service and internet have improved with fixed wireless and Starlink, but verify before committing if you work from home. Browse the active listings below to see what's currently on the market under $300K in Central.
May 2026 · Central market
Live from the Utah MLS — what's actually happening in Central right now.
Median sale
$325,000
1 closed in May 2026
Median DOM
4 days
listing → contract
Sale-to-list
100.0%
of final list price
Unsold inventory
12
active + pending
5 matching · page 1 of 1
Active listings
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Common questions
About homes under $300k in Central.
What kind of homes are actually available under $300K in Central? ▾
Most sub-$300K listings are manufactured or modular homes on one to five acres, older cabins, or small fixer-uppers. Newer stick-built homes in Central typically start in the high $300s and climb quickly with acreage or views toward Pine Valley Mountain.
Are these homes on city water and sewer? ▾
No. Central is unincorporated and most properties run on private wells or shared well systems with septic tanks. Buyers should budget for a well inspection, water quality test, and septic pumping/inspection as part of due diligence.
How far is Central from St. George? ▾
About 30 miles, or 35-45 minutes depending on weather and the route through Veyo. Most residents make the trip once or twice a week for shopping, medical appointments, and the St. George Regional Airport.
Can I finance a manufactured home in Central with a conventional loan? ▾
Sometimes, but it depends on the age of the home, whether it's been permanently affixed to the foundation, and if the title has been retired. Pre-1976 units generally don't qualify for conventional or FHA financing, so many sub-$300K deals here end up cash or owner-financed.
What are property taxes like in this area? ▾
Washington County property taxes run roughly 0.5-0.6% of assessed value annually for a primary residence, with a higher rate applied to second homes and rentals. On a $275,000 primary, expect somewhere around $1,400-$1,700 per year, though specific parcels vary.
Is fire insurance a problem out here? ▾
It can be. Parts of Central sit in higher wildfire risk zones, and several national carriers have pulled back from rural Washington County. Buyers should get an insurance quote during the inspection period rather than at closing, since premiums and availability vary significantly parcel by parcel.